OK, let's work through this together. We're starting with 199 and we're going to multiply it by 95, which means we add 199 to itself 95 times.
Step 1: 0 + 199 = 199
Step 2: 199 + 199 = 398
Step 3: 398 + 199 = 597
Step 4: 597 + 199 = 796
Step 5: 796 + 199 = 995
Step 6: 995 + 199 = 1194
Step 7: 1194 + 199 = 1393
Step 8: 1393 + 199 = 1592
Step 9: 1592 + 199 = 1791
Step 10: 1791 + 199 = 1990
Step 11: 1990 + 199 = 2189
Step 12: 2189 + 199 = 2388
Step 13: 2388 + 199 = 2587
Step 14: 2587 + 199 = 2786
Step 15: 2786 + 199 = 2985
Step 16: 2985 + 199 = 3184
Step 17: 3184 + 199 = 3383
Step 18: 3383 + 199 = 3582
Step 19: 3582 + 199 = 3781
Step 20: 3781 + 199 = 3980
Step 21: 3980 + 199 = 4179
Step 22: 4179 + 199 = 4378
Step 23: 4378 + 199 = 4577
Step 24: 4577 + 199 = 4776
Step 25: 4776 + 199 = 4975
Step 26: 4975 + 199 = 5174
Step 27: 5174 + 199 = 5373
Step 28: 5373 + 199 = 5572
Step 29: 5572 + 199 = 5771
Step 30: 5771 + 199 = 5970
Step 31: 5970 + 199 = 6169
Step 32: 6169 + 199 = 6368
Step 33: 6368 + 199 = 6567
Step 34: 6567 + 199 = 6766
Step 35: 6766 + 199 = 6965
Step 36: 6965 + 199 = 7164
Step 37: 7164 + 199 = 7363
Step 38: 7363 + 199 = 7562
Step 39: 7562 + 199 = 7761
Step 40: 7761 + 199 = 7960
Step 41: 7960 + 199 = 8159
Step 42: 8159 + 199 = 8358
Step 43: 8358 + 199 = 8557
Step 44: 8557 + 199 = 8756
Step 45: 8756 + 199 = 8955
Step 46: 8955 + 199 = 9154
Step 47: 9154 + 199 = 9353
Step 48: 9353 + 199 = 9552
Step 49: 9552 + 199 = 9751
Step 50: 9751 + 199 = 9950
Step 51: 9950 + 199 = 10149
Step 52: 10149 + 199 = 10348
Step 53: 10348 + 199 = 10547
Step 54: 10547 + 199 = 10746
Step 55: 10746 + 199 = 10945
Step 56: 10945 + 199 = 11144
Step 57: 11144 + 199 = 11343
Step 58: 11343 + 199 = 11542
Step 59: 11542 + 199 = 11741
Step 60: 11741 + 199 = 11940
Step 61: 11940 + 199 = 12139
Step 62: 12139 + 199 = 12338
Step 63: 12338 + 199 = 12537
Step 64: 12537 + 199 = 12736
Step 65: 12736 + 199 = 12935
Step 66: 12935 + 199 = 13134
Step 67: 13134 + 199 = 13333
Step 68: 13333 + 199 = 13532
Step 69: 13532 + 199 = 13731
Step 70: 13731 + 199 = 13930
Step 71: 13930 + 199 = 14129
Step 72: 14129 + 199 = 14328
Step 73: 14328 + 199 = 14527
Step 74: 14527 + 199 = 14726
Step 75: 14726 + 199 = 14925
Step 76: 14925 + 199 = 15124
Step 77: 15124 + 199 = 15323
Step 78: 15323 + 199 = 15522
Step 79: 15522 + 199 = 15721
Step 80: 15721 + 199 = 15920
Step 81: 15920 + 199 = 16119
Step 82: 16119 + 199 = 16318
Step 83: 16318 + 199 = 16517
Step 84: 16517 + 199 = 16716
Step 85: 16716 + 199 = 16915
Step 86: 16915 + 199 = 17114
Step 87: 17114 + 199 = 17313
Step 88: 17313 + 199 = 17512
Step 89: 17512 + 199 = 17711
Step 90: 17711 + 199 = 17910
Step 91: 17910 + 199 = 18109
Step 92: 18109 + 199 = 18308
Step 93: 18308 + 199 = 18507
Step 94: 18507 + 199 = 18706
Step 95: 18706 + 199 = 18905

So, 199*95 = 18905